For mammals living in cold habitats, smaller species would require relatively thicker fur.
The majority of vertebrate animals have an increase in body mass as they approach the poles. In the colder climes found at high latitudes and elevations, many species of animals benefit from being larger. A phenomenon known as Bergmann's Rule describes how heavier animals have a smaller surface area to volume ratio, which helps prevent heat loss.
Numerous (non-polar) animals are ectotherms, which means that their internal heat production is so low that they are dependent on their environment to warm them up to a temperature where their body and enzymes can function well enough for an active and functional life. Because they have a larger relative surface area to lose heat from, smaller animals do poorly in cold climates.
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